If you suffered an injury or illness and have to miss work while you recover, disability income can provide you with a lump sum or steady income stream to make up for the paychecks you are not receiving. It can help you pay your rent or mortgage, car payments, assorted other bills, and keep the lights on. In order to recover these benefits, you must file a claim with your insurance company. That is where many injured victims run into challenges.
At Preszler Injury Lawyers, we help people with injuries and illnesses collect the benefits they deserve. We take on the insurance company on your behalf, seeing to it that they do not deny your valid claim or try to saddle you with a lowball settlement that pays less than you deserve. We have a long track record of success, and a disability lawyer serving North Bay from our team wants to put their resources to work for you. For a free, no-obligation case evaluation with a member of our team, call 1-800-JUSTICE.
Our long-term disability lawyers can meet with you in North Bay for a free initial consultation. Call (416) 364-2000
How a Disability Lawyer Can Help You
According to the Canadian Government, disability insurance is sold as an easy, stress-free way to collect compensation for an injury that forces you to miss work. During the time you are unable to do your job and collect a paycheck, your disability insurance policy will make up the difference, or at least a large percentage of it.
But for many injured workers, unfortunately, collecting disability benefits is not as easy as they were led to believe when they purchased the policy. Insurance companies, because they are for-profit entities, are driven to make as much money as possible, and one aspect of maximizing profit is minimizing expenses, which—for an insurer—include payouts to customers.
As a result, injured workers often receive claim denials even when they have valid disabilities, or the insurance company offers a settlement that pays far less than the policyholder expects.
In situations such as these, Preszler Injury Lawyers will step in and fight the insurance company on your behalf, helping you receive the full benefits to which you are entitled. To learn more, and to set up a free case evaluation, call us today at 1-800-JUSTICE.
North Bay Long-Term Disability Lawyer Near Me (416) 364-2000
Why Disability Claims Get Denied
When insurance companies deny claims, they do not tell you that they are doing it because of any profit incentive. Instead, they usually give you one of three boilerplate reasons:
Your Condition Does Not Qualify as a Disability
If you cannot perform your job because of an injury or illness, you are disabled for the duration of your condition. But many insurance companies define disability differently. For example, they will state that it is only a disability if it prevents you from doing any work, not just your current occupation or a job that you are qualified to do.
You Did Not Present Enough Evidence
In order to receive disability benefits, it is not enough to fill out a claim form and file it with the insurance company. You must attach sufficient demonstrating that you indeed suffered the illness or injury you are claiming and that your condition meets the definition of a disability as stated in your policy.
You Did Not Meet the Filing Deadline
The insurance company may also deny your claim if you did not file it by the stated deadline. Usually, the deadline to file is a fixed period, such as six months or a year, and the clock starts running on the date of your injury or illness.
No matter what reason the insurance company gave when it denied your disability claim, we will help you fight it by filing a lawsuit on your behalf. To learn more, call a disability lawyer serving North Bay from Preszler Injury Lawyers today at 1-800-JUSTICE.
Your Disability Benefits
The first question asked of us by many clients involves the specific benefits they are eligible to recover from their disability policy. Because the answer to this question varies depending on your insurance company and the type of policy you have, we always advise you to call for a free case evaluation, where we can go through your policy with you and explain what it pays and any other policy previsions that might be important to know.
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The Time Limit to File a Claim
The deadline for filing a disability claim is also policy-specific. Different insurance companies give different amounts of time. That is why it is important to take action as soon as possible. Start by calling a lawyer at Preszler Injury Lawyers. If necessary, we can file a claim on your behalf to avoid having the deadline expire on you.
How a Lawyer Costs
Do not make the mistake made by many injured clients, who avoid calling a lawyer because they are afraid of the cost or do not think they can afford one. At Preszler Injury Lawyers, there is never an out-of-pocket fee for our disability services. We get paid only when you do.
For a Free North Bay Disability Case Evaluation, Call Preszler Injury Lawyers Today at 1-800-JUSTICE
If you have been forced to miss work because of an injury or illness, a disability lawyer serving North Bay from Preszler Injury Lawyers can help you file a winning disability claim and collect the full and fair compensation you deserve. If you have already filed a claim and been denied, we will appeal that denial on your behalf. Our job is to make sure disabled workers in North Bay get paid the benefits they deserve so they suffer minimal interruption to their lives while recovering. For a free case evaluation, call us today at 1-800-JUSTICE.